Cálculo de intereses
Ahorrando S/ 535,620
Veamos que pasaría si Usted ahorrara 535,620 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) el interés más alto que brinda el sistema financiero peruano es de 8.5% y el más bajo es de 0.1%, en el siguiente cuadro mostramos los diferentes escenarios de inversión para S/ 535,620.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 6,118.94 | S/ 12,307.78 | S/ 18,567.33 | S/ 24,898.38 | S/ 560,518.38 |
| 8.50% | S/ 11,035.81 | S/ 22,299.01 | S/ 33,794.27 | S/ 45,526.37 | S/ 581,146.37 |
| 8.00% | S/ 10,404.95 | S/ 21,012.03 | S/ 31,825.16 | S/ 42,848.35 | S/ 578,468.35 |
| 7.10% | S/ 9,263.86 | S/ 18,687.95 | S/ 28,275.02 | S/ 38,027.92 | S/ 573,647.92 |
| 7.00% | S/ 9,136.63 | S/ 18,429.11 | S/ 27,880.11 | S/ 37,492.31 | S/ 573,112.31 |
| 6.50% | S/ 8,499.13 | S/ 17,133.12 | S/ 25,904.12 | S/ 34,814.29 | S/ 570,434.29 |
| 6.10% | S/ 7,987.51 | S/ 16,094.14 | S/ 24,321.66 | S/ 32,671.88 | S/ 568,291.88 |
| 6.20% | S/ 8,115.55 | S/ 16,354.07 | S/ 24,717.42 | S/ 33,207.48 | S/ 568,827.48 |
| 5.90% | S/ 7,731.16 | S/ 15,573.92 | S/ 23,529.88 | S/ 31,600.67 | S/ 567,220.67 |
| 5.75% | S/ 7,538.66 | S/ 15,183.43 | S/ 22,935.79 | S/ 30,797.26 | S/ 566,417.26 |
| 5.70% | S/ 7,474.45 | S/ 15,053.20 | S/ 22,737.71 | S/ 30,529.46 | S/ 566,149.46 |
| 5.65% | S/ 7,410.21 | S/ 14,922.94 | S/ 22,539.61 | S/ 30,261.66 | S/ 565,881.66 |
| 5.60% | S/ 7,345.95 | S/ 14,792.66 | S/ 22,341.49 | S/ 29,993.86 | S/ 565,613.86 |
| 5.50% | S/ 7,217.37 | S/ 14,531.99 | S/ 21,945.18 | S/ 29,458.25 | S/ 565,078.25 |
| 5.30% | S/ 6,959.92 | S/ 14,010.29 | S/ 21,152.26 | S/ 28,387.04 | S/ 564,007.04 |
| 5.25% | S/ 6,895.51 | S/ 13,879.78 | S/ 20,953.98 | S/ 28,119.24 | S/ 563,739.24 |
| 5.05% | S/ 6,637.60 | S/ 13,357.46 | S/ 20,160.59 | S/ 27,048.03 | S/ 562,668.03 |
| 5.00% | S/ 6,573.07 | S/ 13,226.80 | S/ 19,962.19 | S/ 26,780.23 | S/ 562,400.23 |
| 4.95% | S/ 6,508.51 | S/ 13,096.11 | S/ 19,763.76 | S/ 26,512.43 | S/ 562,132.43 |
| 4.75% | S/ 6,250.06 | S/ 12,573.04 | S/ 18,969.81 | S/ 25,441.22 | S/ 561,061.22 |
| 4.55% | S/ 5,991.23 | S/ 12,049.47 | S/ 18,175.48 | S/ 24,370.01 | S/ 559,990.01 |
| 4.50% | S/ 5,926.46 | S/ 11,918.50 | S/ 17,976.84 | S/ 24,102.21 | S/ 559,722.21 |
| 4.40% | S/ 5,796.86 | S/ 11,656.47 | S/ 17,579.48 | S/ 23,566.61 | S/ 559,186.61 |
| 4.30% | S/ 5,667.17 | S/ 11,394.30 | S/ 17,182.03 | S/ 23,031.00 | S/ 558,651.00 |
| 4.25% | S/ 5,602.29 | S/ 11,263.18 | S/ 16,983.27 | S/ 22,763.20 | S/ 558,383.20 |
| 4.20% | S/ 5,537.39 | S/ 11,132.02 | S/ 16,784.49 | S/ 22,495.40 | S/ 558,115.40 |
| 4.15% | S/ 5,472.46 | S/ 11,000.83 | S/ 16,585.68 | S/ 22,227.59 | S/ 557,847.59 |
| 4.00% | S/ 5,277.53 | S/ 10,607.07 | S/ 15,989.11 | S/ 21,424.19 | S/ 557,044.19 |
| 3.90% | S/ 5,147.47 | S/ 10,344.40 | S/ 15,591.28 | S/ 20,888.58 | S/ 556,508.58 |
| 3.75% | S/ 4,952.19 | S/ 9,950.17 | S/ 14,994.35 | S/ 20,085.18 | S/ 555,705.18 |
| 3.50% | S/ 4,626.26 | S/ 9,292.48 | S/ 13,999.00 | S/ 18,746.17 | S/ 554,366.17 |
| 3.00% | S/ 3,972.62 | S/ 7,974.71 | S/ 12,006.47 | S/ 16,068.14 | S/ 551,688.14 |
| 2.75% | S/ 3,644.91 | S/ 7,314.62 | S/ 11,009.30 | S/ 14,729.13 | S/ 550,349.13 |
| 2.50% | S/ 3,316.60 | S/ 6,653.73 | S/ 10,011.53 | S/ 13,390.12 | S/ 549,010.12 |
| 2.00% | S/ 2,658.17 | S/ 5,329.53 | S/ 8,014.15 | S/ 10,712.10 | S/ 546,332.10 |
| 1.35% | S/ 1,798.59 | S/ 3,603.21 | S/ 5,413.90 | S/ 7,230.67 | S/ 542,850.67 |
| 1.00% | S/ 1,334.02 | S/ 2,671.36 | S/ 4,012.04 | S/ 5,356.05 | S/ 540,976.05 |
| 0.10% | S/ 133.85 | S/ 267.74 | S/ 401.65 | S/ 535.60 | S/ 536,155.60 |
Sobre los datos
-
Para S/ 535,620 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 535,620 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.
